Life Insurance: Do wives need it? The initial and very obvious response to this question has to be, "Why not?" Why wouldn't a couple have life insurance overage on a wife? Even if a man is suffering under the delusion that she is still "the little woman" and her place is still "in the kitchen - barefoot and pregnant" he would have to admit that her loss to the family is not only going to be a devastating one to the family emotionally but there really are going to be some new expenses in the family that have to be dealt with and death with quickly. He'll find out in no time at all that while the household functions fine without him, without her, everything can fall apart very quickly. Life Insurance: Will your husband be lost without your help? It's an unfortunate reality that many men just don't know how to cook. Oh, maybe his mom taught him how to boil an egg but other than that he is at a loss. A full course meal with all of the trimmings? Forget it. Even if he is inclined to learn how to cook its going to take a while before he is an accomplished cook so unless there are a lot of hot dogs and beans on the menu for a while there is going to be an added expense in the household for eating in restaurants and from carry-outs. Life Insurance: Are there dependant children in the family? Right. What if there are dependent children in the family? Who's going to take care of them while Widow Dad earns a living? Dad, are you going to only work while the children are sleeping? Just how are you going to find time to take care of any number of children? What if you have two, three, four or more children? Are you really going to take care of them yourself and try to earn a living full time in order to be able to afford your current standard of living? Or, ANY standard of living? Day Care for the children. Life Insurance helps! Wouldn't it be nice if you had the proceeds from your wife's life insurance policy available so that you could afford day care for the children? Wouldn't it be good for the children to be able to continue to have an excellent level of care, something approaching (but never meeting) the same level of care that they had when both mom and dad were on the scene? You can do this with a proper level of life insurance coverage on the wife and/or mother in a family. It's undoubtedly selfish and unethical to want life insurance on your wife so that you can finally get that new Corvette you've always wanted but there's absolutely nothing wrong with wanting to be able to continue taking good care of your children. Don't Want the Hassle of dealing with Life Insurance Agents?